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Newcastle Permanent offer one of the most competitive home loan rates in Australia. Their customer service is second to none.

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New South Wales

Premium Plus Package overview

Our Premium Plus Package provides a premium product without the premium price tag.

Special Offer

For a limited time we are offering a special packaged home loan discounted rate of 3.84%p.a.## (comparison rate 4.20% p.a.*) for new borrowers applying for an owner occupied home loan with a minimum new loan size of $150,000 or more.

The offer is also available for existing borrowers of owner occupied loans who apply for the special package and increase their loan with us by $150,000 or more.

Premium Plus Package Discount## 3.84%p.a. 4.20%p.a.
Premium Plus Package Tier 4 4.37%p.a. 4.72%p.a.
Premium Plus Package Tier 3 4.42%p.a. 4.77%p.a.
Premium Plus Package Tier 2 4.52%p.a. 4.87%p.a.
Premium Plus Package Tier 1 4.57%p.a. 4.92%p.a.
Annual Fee $375 per annum
Establishment fee Nil
Monthly Fee Nil
Minimum Loan Amount No Minimum
Maximum Loan Term 30 Years
Additional Repayments Yes
Redraw Facility Yes
Repayment Holiday Yes
Repayment Frequency Monthly, Fortnightly or Weekly repayments
Repayment Options Principal and interest or interest only
Split loan Yes
Interest Offset Account 100%
Mortgage Portability Yes
Maximum Loan to Value Ratio Up to 95% of the value of the property

Packaged with a range of discounts and benefits available on other products including insurance discounts, additional interest on savings accounts and fee discounts on other Newcastle Permanent loan products.

Here’s some information for you:
Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full Terms and Conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.
* The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.
Interest rates effective as of 25/05/2016 and are subject to change without notice.
## Discounted interest rate available for new borrowers applying for or refinancing an owner occupied loan to a Premium Plus Package Home Loan. Conversions from an existing Newcastle Permanent loan to the Premium Plus Package are not eligible to receive the special pricing discount unless their borrowings with Newcastle Permanent are for an owner occupied loan and are increasing their loan by $150,000 or more. Applications for finance are subject to Newcastle Permanent’s normal credit approval process. Terms and conditions, fees and charges apply.
+ Offer available for new loan applications only. Special offer is for a limited time only. Premium Plus Package Tiers are determined by your combined total home loan balances and available to new applicants.
** Premium Plus Package interest rates are generally determined by combined loan balances at the time you first borrow or as follows:
Tier 1 - combined loan balances below $500,000
Tier 2 - combined loan balances over $500,000
Tier 3 - combined loan balances over $750,000
Tier 4 - combined loan balances over $900,000
© Newcastle Permanent Building Society Limited 2015. ACN 087 651 992 Australian Financial Services Licence / Australian Credit Licence 238273